Customer Service: 800-295-8016

About Us

Who is UPC Insurance?

  • An established homeowners insurance company founded in 1999 with a track record of successful operations in catastrophe exposed areas
  • A homeowners insurance company that has not only survived but thrived through 16 separate hurricanes/tropical storms
  • A company building a diversified book of business in coastal areas from Texas to Maine; Currently writing in seven states – licensed in two others
  • A company committed to financial stability and solvency.


To be the premier provider of property insurance in catastrophe exposed areas.

UPC writes, and services residential property and casualty insurance policies through a network of independent agents. We currently write policies in Florida, South Carolina, Massachusetts, Rhode Island, North Carolina, New Jersey, and Texas: and were recently licensed in Georgia and New Hampshire. UPC has plans to expand into additional states throughout the country. We currently offer both homeowner’s and dwelling fire products; and UPC is a Write Your Own Flood Carrier.

UPC is focused on (i) financial stability; (ii) providing world class service and products; (iii) hiring and retaining associates committed to a culture of teamwork, fun, and excellence in everything we do; and (iv) being a good corporate citizen. In everything it does, UPC strives to “keep the promise” for policyholders while being “here today, here tomorrow” for all its stakeholders. UPC Insurance is committed to financial stability and long-term solvency. The Company uses a combination of its own capital and reinsurance capital to provide assurance that policyholder claims can be paid in a timely manner after a natural catastrophe. For UPC, this is not a theoretical exercise. The Company has paid claims from 16 hurricanes and tropical storms in its history, with losses totaling over $534 million. The combination of the strength of its capital base, responsive claims operations, and a consistently strong group of reinsurance partners has enabled UPC to meet these obligations in a timely manner over and over again. It is a core competency and principle of the Company.